Health Insurance

Who Is Eligible For National Health Insurance Scheme In Nigeria, See The 5 Persons

Health Insurance

Who Is Eligible For National Health Insurance Scheme In Nigeria?

These five persons are eligible for the National health insurance in Nigeria, find out if you are one of them.

Before disclosing them, it is mandatory to understand the meaning of NHIS and what it represents.

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What is NHIS?

NHIS simply means National Health Insurance Scheme.

It is social welfare created by the federal government of Nigeria to make health care accessible by all.

The National Health Insurance Scheme (NHIS) provides social health insurance in Nigeria. This is carried out through the pool of funds contributed by the participants of the scheme. The amount pooled allows the various Health Maintenance Organisations (HMO) to cater for the health needs of the people.

The HMOs are private bodies that share the responsibilities of healthcare with employees of a private organization and an individual.

The NHIS also regulates the healthcare provided by the HMOs.

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Who Are Eligible for the National Health Insurance In Nigeria?

  1. Group.
  2. Individual.
  3. Family.
  4. Students.
  5. Corps Members.
  6. Civil Servants.


This is mostly applicable in an organization. The recruiter ensures that each staff of the organization is enrolled on a particular HMO. They pool their funds together and get them the health plan they can afford. This avails them the opportunity to access healthcare from hospitals in the band of the HMOs.

Individual: This is a single person who needs to access care. Ideally, this person works for a private organization. They enrol with any of the HMOs and select a suitable plan.


This usually accommodates a subscriber with their partner and four children. The subscriber is the primary enrollee while the partner and children are termed as Dependents.

At the time of filing this report, there is no HMO that accommodates more than four children.


Here, the school oversees the health needs of the students by helping them subscribe to various HMOs.

In Nigeria, this is most common in tertiary institutions. The school registers the student with any HMO of their choice.

Corps Members:

The NHIS takes responsibility for the healthcare of corps members during the mandatory Youth Service.

The NYSC said that enrollment of corps members in the NHIS commenced on February 11.

Speaking with newsmen, the directorate of the scheme said:

“For the reinforcement of this policy, and towards ensuring a more holistic and quicker medical intervention, all Corps Members have been enrolled under the nation’s National Health Insurance Scheme.”

 Civil Servants:

In Nigeria, it is mandatory for civil servants to enrol with the NHIS to enjoy quality healthcare.

The purpose of the NHIS for civil servants is to help cover the universal health coverage for the staff in the federal civil service.

All these people have been grouped by the NHIS into three categories so that everyone can access healthcare.

Formal Sector: This was broken down into three sub-categories. They are;

  1. Public Sector: Federal, State and Local Government. Armed Forces, police and other uniformed services).
  2. Organized private sector.
  3. Group, Individual and family contributors.

2. Informal Sector: Community based Health Insurance and educational Institutions.

3. Vulnerable Group: BHCPF (Basic Healthcare Provision Funds).

How to register for Health Insurance in Nigeria

To register for NHIS online, do the following steps:

  1. Go to
  2. Click register.
  3. Fill out the number, name and date of birth and press submit.
  4. Then you would create your account providing your email and login passwords.
  5. A confirmation mail would be sent to you.
  6. Then enter your login details in a new web browser to access the account.

Meanwhile, the Lagos Health Insurance Scheme simply known as Lagos State Health Scheme LSHS is a health insurance initiative by the Government of Lagos.

The goal of the State Government is to provide universal health coverage for the people of Lagos State.

How to register for the Lagos Health Insurance

The Lagos Health insurance can be done through any of the following platforms:

  • Enrollment points.
  • Enrollment Platforms.
  • Licensed health insurance agents.

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